Senior Financial Crime Investigator - Business Banking

Monzo

🚀 We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us.  With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️ ----------------------------------------------------------------------------------------------------------------------------------   Remote in the UK 🇬🇧 | 💰 £38,300 - £48,400 + £2,500 multilingual premium + Incentive Awards tied to your performance +  Benefits ✨ Start Date: 12th October ⭐ Our Fraud Team Are you interested in leading a team in Fraud? Our EU Fraud Customer Operations team is at the heart of how we protect Monzo EU and our customers. We’re looking for individuals with a blend of experience in Fraud, Leadership, and setting up a brand-new Spanish-speaking team to join our EU Fraud Operations. While Spanish is the core focus for this role, the ability to speak other languages is a massive advantage as we continue to grow. Your team will consist of around 10 - 12 Fraud Investigators, and could be focused on a number of different tasks - including Prevention, Unauthorised and Authorised Fraud and Bank communications.  As a Team Manager, you'll be responsible for managing the personal and professional development of your team members, providing coaching & feedback on fraud tasks, driving exceptional individual and collective performance, guiding individuals through hard times, and celebrating their successes. You’ll hold weekly meetings with your team members (both individually and together as a team) to ensure everyone is informed, engaged, and performing in their role. You’ll also be responsible for aggregating the feedback that your team provides in these meetings and feeding it into operational leadership to ensure we continue to improve on our processes and tooling. Team Managers are also heavily involved in our hiring processes, and regularly act as interviewers - so you’ll have the opportunity to help shape the team as it continues to grow. 🔑 You’ll play a key role by... * Conduct quality checks on senior fraud investigators to drive performance and identify coaching opportunities. * Handle feedback from L20 Investigators and working alongside EU Senior manager & EU Operations analysts to improve process/guidance  * Manage personal & professional development of a team of senior investigators. * Foster a positive, supportive, and high performance culture in the team with high levels of engagement. * Chairing employee relations cases and making decisions consistent with Monzo’s values. * Working with Senior Manager on building EU team from scratch and how we scale the team for future growth  🤩 We’d love to hear from you if… * You are Fluent in English & Spanish, both in written and verbal communication skills  * You have strong experience of team leadership across Fraud within the financial services sector. * You have proven ability to drive excellent performance through others. * You have strong knowledge and experience in the financial sector, previous experience in carrying out Fraud investigations  * You have knowledge of the current financial crime landscape in the UK and the EU, and associated fraud risks. The working hours to be covered by the team will be 8am - 6.30pm and this will be based on 8.5 hours per day (with a 1 hour lunch included). The successful candidate will be required to be flexible in order to meet our customer demand and this will include infrequent weekend working. The start date for the role will be 12th October and you must be able to commit to the first 6 weeks. No holidays/time off will be authorised during this period. 🙌 What’s in it for you 💰 £38,300 - £48,400 📍 This role is remote based in the UK. 📚£1,000 learning budget each year to use on books, training courses and conferences. 🏡We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup.  ➕ Plus lots more! Read our full list of benefits. 🌈 The application journey has 3 key steps * Application questions * Video Call with a Recruiter * Leadership/Technical Interview Not ticking every box? That’s totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. At Monzo, we’re dedicated to creating a diverse and welcoming team. If you’re passionate about this role and keen to learn and grow with us, we encourage you to apply— even if you don’t have everything that's listed just yet. Drop us your application, we’d love to hear from you! This process should take around 3 - 4 weeks - your schedule is really important to us, so we promise to be as flexible as possible!  We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out. We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here. #LI-SW1 ---------------------------------------------------------------------------------------------------------------------------------- Equal opportunities for everyone Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report. We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊

Tide

ABOUT TIDE At Tide, we help SMEs save time and money in the running of their businesses by not only offering business accounts and related banking services, but also a comprehensive set of highly usable and connected administrative solutions, from invoicing to accounting. Tide is transforming the small business banking market and now supports over 2 million members globally across the UK, India, Germany and France. Using advanced technology, all solutions are designed with SMEs in mind. With quick onboarding, low fees and innovative features, we thrive on making data driven decisions to serve our mission: to help SMEs save time and money so they can get back to doing what they love. Tide facts: * Tide is available for UK, Indian, German and French SMEs * Over 2 million members: 900,000 UK and 1,100,000 in India and growing rapidly * Over $300 million raised in funding * Over 2,800 Tideans globally * Recognised with Great Place to Work certification three years in a row, and among India’s Top 50 Best Workplaces in Banking, Financial Services, and Insurance in 2026 * We have offices in Central London, with a member support and technology centre in Sofia, Bulgaria, technology centres in Serbia, Romania, Lithuania and Hyderabad and offices in Gurugram, New Delhi, Berlin, Paris and Luxembourg   WHAT WE ARE LOOKING FOR We’re looking for a data-driven Senior Product Operations Analyst, ideally with experience in Consulting, Operations, Finance, or Technology. In this role you’ll become a key member of Tide’s Savings & Investment Operations and work with teams from across the company - including Product, Tech, Member Support, Financial Crime, Finance - as well as our partners and Tide Members. As a Senior Product Operations Analyst at Tide you’ll join an ambitious team of highly motivated, talented Tideans who love to collaborate, and are driven by helping people achieve their business ambitions.  We live and breathe our values, which are to put our members first, work as one team and be data driven. As a Senior Product Operations Analyst you’ll be: * Supporting Product Owners to manage cross functional technical projects  * Engaging with external partners to agree on SLAs and performance * Interacting with VP/SVP level and presenting research to internal and external audiences * Acting as the voice of the customer and providing Level 3 support to member support. * Providing support to the rest of Operations worldwide. Guiding the operations community towards constant improvement WHAT MAKES YOU A GREAT FIT * You have at least 3 years of work experience in finance, consulting, technology or operations * You have work experience in the Payments landscape and know the financial market in India. * You have knowledge around payments settlements and various regulatory guidelines involved in transactional flow * You are organised – can deliver complex projects spanning multiple work streams and functional areas * You are experienced with Jira and Confluence, and familiar with customer ticketing systems. * You have basic understanding on how Card Manufacturing partners and Card Logistics providers. * You are responsible – we need to be able to trust you to own projects with minimal oversight, but to bring in help when needed * You are proactive – you’ll need to enjoy the challenge of continuously improving processes and always be on the hunt for the next problem that needs to be fixed! * You have to have a strong attention to detail – you need a sixth sense for when things don’t look right and the conviction to investigate whether it’s a larger problem! * You have excellent written and verbal communication skills in English – you’ll be explaining the root causes of problems to management and working with providers to get to the bottom of problems * You are resilient – you’re willing to spend the time it takes to discover where a problem lies and not stop until it’s solved * You are customer-focused and a team player WHAT YOU’LL GET IN RETURN:  * Competitive Compensation -  competitive salary and share options * Time Off – Generous annual leave on top of bank holidays. * Parental Leave – Paid maternity, paternity, and adoption leave to support your family journey. * Sabbatical – Extended unpaid and paid leave options after completing milestone years with Tide. * Health Insurance – Private family insurance with additional OPD coverage and top-up options. * Life & Accident Cover – Comprehensive accidental and life insurance protection. * Mental Wellbeing – Access to therapy sessions, courses, meditations, and workshops. * Volunteering & Development Days – Paid days annually for volunteering or personal growth. * Learning & Development – Annual budget for books, courses, coaching, and more. * WOO (Work Outside the Office) – Work from abroad for up to 90 days annually. * Home Office Setup – Contribution towards setting up your home office * Laptop Ownership – Keep your old laptop and get a new one when it’s time for a replacement. * Snacks & Meals – Office perks with snacks, coffee, tea, and lunch (location dependent). #LI-SW1 TIDE IS A PLACE FOR EVERYONE At Tide, we believe that we can only succeed if we let our differences enrich our culture. Our Tideans come from a variety of backgrounds and experience levels. We consider everyone irrespective of their ethnicity, religion, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity or differently-abled status. We celebrate diversity in our workforce as a cornerstone of our success. Our commitment to a broad spectrum of ideas and backgrounds is what enables us to build products that resonate with our members’ diverse needs and lives.  We are One Team and foster a transparent and inclusive environment, where everyone’s voice is heard.   At Tide, we thrive on diversity, embracing various backgrounds and experiences. We welcome all individuals regardless of ethnicity, religion, sexual orientation, gender identity, or disability. Our inclusive culture is key to our success, helping us build products that meet our members' diverse needs. We are One Team, committed to transparency and ensuring everyone’s voice is heard.   Disclaimer   It has come to our attention that individuals or agencies are falsely claiming to represent Tide and are reaching out to candidates regarding job opportunities. Please be aware that: * Tide does not charge any fees at any stage of the recruitment process. * All official Tide job opportunities are listed exclusively on our Careers Page and applications should be submitted through this channel. * Communication from Tide will only come from an official @tide.co email address. * Tide does not work with agencies or recruiters without prior formal engagement, and we do not authorize third parties to make job offers on our behalf. If you are contacted by anyone misrepresenting Tide or requesting payment, please treat it as fraudulent and report it to us immediately at talent@tide.co Your safety and trust are important to us, and we are committed to ensuring a fair and transparent recruitment process.   Tide leverages AI to enhance our hiring experience. You can read more about how we use AI in our recruitment process in our AI Policy. Your personal data will be processed by Tide for recruitment purposes and in accordance with Tide's Recruitment Privacy Notice.

Tide

ABOUT TIDE At Tide, we help SMEs save time and money in the running of their businesses by not only offering business accounts and related banking services, but also a comprehensive set of highly usable and connected administrative solutions, from invoicing to accounting. Tide is transforming the small business banking market and now supports over 2 million members globally across the UK, India, Germany and France. Using advanced technology, all solutions are designed with SMEs in mind. With quick onboarding, low fees and innovative features, we thrive on making data driven decisions to serve our mission: to help SMEs save time and money so they can get back to doing what they love. Tide facts: * Tide is available for UK, Indian, German and French SMEs * Over 2 million members: 900,000 UK and 1,100,000 in India and growing rapidly * Over $300 million raised in funding * Over 2,800 Tideans globally * Recognised with Great Place to Work certification three years in a row, and among India’s Top 50 Best Workplaces in Banking, Financial Services, and Insurance in 2026 * We have offices in Central London, with a member support and technology centre in Sofia, Bulgaria, technology centres in Serbia, Romania, Lithuania and Hyderabad and offices in Gurugram, New Delhi, Berlin, Paris and Luxembourg ABOUT THE TEAM: Ongoing Monitoring is where Tide draws the line against fraud, financial crime, and every bad actor trying to get past it, the engine behind fraud detection, AML, and risk for 1.6M+ members and the banking license that makes Tide possible. This is a newly created role. There's no predecessor's roadmap to inherit and no legacy decisions you're stuck defending, you're the first person in this seat, with a real mandate to decide the architecture and the AI strategy from here. If you want to build, not maintain, this is that role. You'll partner with Product, Risk, and Operations leaders to shape where this platform goes next. ABOUT THE ROLE: As a Director of Engineering at Tide you'll be: * Setting the technology strategy from a blank page — owning the roadmap for Fraud, Financial Risk, AML, AI workflows, tooling, and automation across Ongoing Monitoring, with the autonomy to decide what gets rebuilt and how. * Putting agentic AI into production, not a slide deck — building autonomous, multi-agent workflows that investigate alerts, pull external data, chain complex reasoning, and make initial risk calls in real time. * Staying ahead of adversaries who are also using AI — building detection for bot swarms, deepfake-powered KYC bypass, and algorithmic fraud loops, against a landscape that's constantly shifting: impersonation scams, APP fraud, account takeover, banking fraud. * Making high-stakes AI defensible — ensuring every system is auditable, explainable, and aligned with global AML directives and data privacy standards, because these decisions carry real regulatory weight. * Building engineering organisations across India, Eastern Europe, and the UK  an inclusive, high-performance culture that's yours to shape. * Making the ML lifecycle faster and sharper — partnering with Product, Data, AI, Risk, and Ops to improve predictive modelling and agentic AI capabilities, cutting retraining and rules-deployment time. * Turning automation into real savings — championing data-driven decisions and AI/ML opportunities that cut operational cost and friction at scale. WHAT WE ARE LOOKING FOR: * 15+ years of engineering experience with 5+ years in leadership roles (Director/Senior Director level). * Machine Learning: Strong experience in supervised and unsupervised models, decision trees, neural networks, and Large Language Models (LLMs). * Agent Frameworks: Hands-on experience with multi-agent orchestration frameworks (e.g., LangGraph, AutoGen) used to build self-correcting compliance workflows. * Fintech Domain Knowledge: Deep understanding of fraud vectors (e.g., mule accounts, account takeovers, synthetic identity fraud) and AML typologies. * Adversarial AI Security: Proven track record in detecting deepfakes, synthetic identities, and prompt injection attacks targeting financial systems. * Risk/Scale: Minimum 5+ years building and deploying production-grade, risk-scoring environments at scale. * Experience with fintech platforms - risk/compliance tooling (AML, Fraud, Financial Risk, SARs, KYX, agentic AI detections). * Excellent people leadership skills – you know how to grow and inspire teams. * Solid technical foundations: cloud-native architectures, microservices, event-driven systems, and data platforms (AWS or GCP). WHAT YOU’LL GET IN RETURN:  Our location-specific employee benefits are designed to cater to the unique needs of Tideans:  * Competitive Compensation -  competitive salary and share options * Time Off – Generous annual leave on top of bank holidays. * Parental Leave – Paid maternity, paternity, and adoption leave to support your family journey. * Sabbatical – Extended unpaid and paid leave options after completing milestone years with Tide. * Health Insurance – Private family insurance with additional OPD coverage and top-up options. * Life & Accident Cover – Comprehensive accidental and life insurance protection. * Mental Wellbeing – Access to therapy sessions, courses, meditations, and workshops. * Volunteering & Development Days – Paid days annually for volunteering or personal growth. * Learning & Development – Annual budget for books, courses, coaching, and more. * WOO (Work Outside the Office) – Work from abroad for up to 90 days annually. * Home Office Setup – Contribution towards setting up your home office * Laptop Ownership – Keep your old laptop and get a new one when it’s time for a replacement. * Snacks & Meals – Office perks with snacks, coffee, tea, and lunch (location dependent). TIDEAN WAYS OF WORKING At Tide, we champion a flexible workplace model that supports both in-person and remote work to cater to the specific needs of our different teams.  While remote work is supported, we believe in the power of face-to-face interactions to foster team spirit and collaboration. Our offices are designed as hubs for innovation and team-building, where we encourage regular in-person gatherings to foster a strong sense of community. TIDE IS A PLACE FOR EVERYONE At Tide, we believe that we can only succeed if we let our differences enrich our culture. Our Tideans come from a variety of backgrounds and experience levels. We consider everyone irrespective of their ethnicity, religion, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity or differently-abled status. We celebrate diversity in our workforce as a cornerstone of our success. Our commitment to a broad spectrum of ideas and backgrounds is what enables us to build products that resonate with our members’ diverse needs and lives.  We are One Team and foster a transparent and inclusive environment, where everyone’s voice is heard.   At Tide, we thrive on diversity, embracing various backgrounds and experiences. We welcome all individuals regardless of ethnicity, religion, sexual orientation, gender identity, or disability. Our inclusive culture is key to our success, helping us build products that meet our members' diverse needs. We are One Team, committed to transparency and ensuring everyone’s voice is heard.   Disclaimer   It has come to our attention that individuals or agencies are falsely claiming to represent Tide and are reaching out to candidates regarding job opportunities. Please be aware that: * Tide does not charge any fees at any stage of the recruitment process. * All official Tide job opportunities are listed exclusively on our Careers Page and applications should be submitted through this channel. * Communication from Tide will only come from an official @tide.co email address. * Tide does not work with agencies or recruiters without prior formal engagement, and we do not authorize third parties to make job offers on our behalf. If you are contacted by anyone misrepresenting Tide or requesting payment, please treat it as fraudulent and report it to us immediately at talent@tide.co Your safety and trust are important to us, and we are committed to ensuring a fair and transparent recruitment process.   Tide leverages AI to enhance our hiring experience. You can read more about how we use AI in our recruitment process in our AI Policy. Your personal data will be processed by Tide for recruitment purposes and in accordance with Tide's Recruitment Privacy Notice.